We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Virtual credit cards work by ... virtual card numbers can be used over the telephone.

Consider the following tips to make sure your credit card is working for you -- not against you. Check your credit score regularly to understand how your habits affect your financial health.

TAKE OUT YOUR CREDIT CARD AND FLIP IT OVER AND CALL THE NUMBER ON THE BACK OF THE CARD TO CONFIRM ANY POSSIBLE FRAUDULENT CHARGES. Our investigative team is hearing about a credit card scam ...